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Individuals and Families

Multi-Trip

Medical Coverage for Travel

    Dates of Trip

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    1(Age at time of application)

    Authorized Agent:

    BCBS Global Solutions
    Authorized Agent: BCBS Global Solutions
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    Protection for every trip, all year.

    Travel the world as many times as you want. With annual health insurance that covers the first 70 days of each trip. Upgrade from Gold to Platinum to raise your coverage and lower your deductible.

    Coverage for all your trips

    • Up to $1,000,000 medical maximum
    • 100% coverage after deductible (with options as low as $0)
    • Includes medical evacuation and accidental death & dismemberment (AD&D)
    • Covers your pre-existing conditions

    Hand-picked doctors

    • Choose any doctor or facility for services 
    • Access our global network of doctors and hospitals in over 190 countries, many of whom bill us directly 
    • Get on-the-ground clinical support from over 165 Regional Physician Advisors in more than 100 countries  

    Support beyond time zones

    • Support 24/7/365 through our Global Service Center 
    • Unlimited telemedicine at no cost 
    • Access to our highly rated mobile app 

    Annual travel medical insurance.

    Choose Gold for standard protection or Platinum to increase your coverage amount and reduce your deductible.

    Plan details

    Download plan description

    Medical benefits

    Coverage for length of trip Unlimited number of trips in a 364-day period (covers up to the first 70 days of a trip)
    Primary health plan required Yes
    Maximum benefit per insured person per policy period $1,000,000 (For individuals aged 70-95, the Maximum benefit is $200,000)
    Deductible per insured person per policy period $100

    Professional services
    Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab 100%
    Office visits: including X-rays and lab work billed by the attending physician 100%

    Inpatient hospital services
    Surgery, X-rays, in-hospital doctor visits 100%
    Inpatient medical emergency 100%
    Ambulatory surgical center 100%
    Ambulance services (non-Medical evacuation) 100% up to $1,000

    Prescription drugs
    Outside the U.S. outpatient prescription drugs 100% of reasonable charges up to $5,000

    Other
    Physical and occupational therapy 6 visits per Period of Insurance, $100 Maximum payment per visit

    Dental
    Dental Care Required Due to an injury 100% of Reasonable Charges with a maximum benefit of $300 per Trip Period
    Dental Care for Relief of Pain 100% of Reasonable Charges with a maximum benefit of $300 per Trip Period

    Medical network

    Global care that travels with you.

    We’ve hand-picked physicians in over 190 countries who meet our rigorous standards. Many are board-certified and English-speaking. Choose from our network or pick any international doctor or facility. It’s up to you.

    Always connected to care.

    Every plan includes unlimited telemedicine services at no extra cost. Connect with a doctor from your phone or tablet wherever you are, whenever you need care:

    • Same-day remote appointments available 24/7/365
    • Multilingual doctors providing guidance for non-emergencies
    • Consultation notes sent directly to your phone
    • Prescriptions and referral letters where regulations allow

    Travel with a friend.

    Use our mobile app for essential support:

    • Digital ID cards
    • Provider search with detailed profiles
    • Claim tracking
    • Medical translations
    • Medication equivalents finder
    • Safety alerts based on your location

    Help that never sleeps.

    Our Global Service Center is always open:

    • 24/7/365 multilingual support via toll-free or collect calls
    • Medical evacuation coordination when needed
    • Personalized guidance for accessing care

    Go ahead and explore the world. We’ll be here when and where you need us.

    Medical evacuation

    When you’re outside of your home country, medical evacuations aren’t always covered by your current health insurance.

    All plans include medical evacuation. Emergency medical transportation can be stressful and the costs can be devastating. We make it as easy as possible to get the care you need, when and where you need it.

    • Maximum Benefit per Trip Period for all Evacuations up to $500,000.

    Additional benefits

    Our coverage goes beyond the basics. For your protection and peace of mind in unexpected situations.

    What is repatriation of remains?

    This important benefit covers the complex process of transporting remains back to the family's chosen location, handling all necessary documentation and arrangements during an already difficult time.

    Accidental Death and Dismemberment AD&D Maximum benefit principal sum up to $25,000
    Emergency family travel arrangements Should you be confined to a hospital for medical reasons, GeoBlue plans provide a maximum benefit per trip period up to $2,500 for the cost of one economy round trip airfare ticket to the place of the hospital confinement for one (1) person
    Hazardous activities Maximum benefit up to $25,000 for claims resulting from downhill (alpine) skiing and scuba diving at a depth of 20 meters or less (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Insurers (NAUI) required or diving under the supervision of a certified instructor)
    Lost baggage and personal effects coverage Maximum benefit of $500 per trip period and limited to $100 maximum benefit per bag or personal effect
    Repatriation of remains Maximum benefit up to $25,000

    Pre-existing conditions

    You’re more than just your medical history.

    Your health conditions shouldn't stop you from seeing the world. Other insurance plans might leave you hanging. Not ours.

    Need medical care or emergency evacuation?

    Both are covered, even for pre-existing conditions. So you’ll never have to wonder "what if something happens?" while you're trying to enjoy your trip.

    We’ve got your back.

    Our coverage honors your unique health needs—so you can relax and explore the world knowing you're protected.

    Refund policy

    We understand that life plans change. That’s why you can cancel your plan if you need to, without cancellation fees or penalties.

    What happens if my trip is canceled? Can I get a refund?

    Yes, if your trip is canceled entirely, you are eligible for a full refund of your premium.

    How do I cancel my coverage and request a refund?

    Cancellation must be requested either in writing or by phone by the Eligible Participant.
    You can cancel your coverage and request a refund by:

    What information do I need to provide when canceling? 

    Please include the following details in your cancellation request:

    • Effective date of your policy
    • Effective date of cancellation
    • Subscriber email address
    • Reason for cancellation

    Eligibility

    Plans are available to United States residents, age 95 and younger and enrolled in a Primary Plan.* Children under age 6 must be enrolled with a parent. The initial purchase must be made in your home country prior to departing on your trip.

    Eligible family members (if applicable) must be your spouse, civil union partner or domestic partner age 95 and younger, and/or your eligible child(ren) or other eligible dependent(s). Eligible family members must also be resident(s) of the United States and traveling outside the United States and scheduled to spend at least 24 hours away from his/her home.

    An Eligible Dependent means a person who is the Eligible Participant’s:

    1. Spouse; civil union partner, or domestic partner;
    2. Natural child, stepchild or legally adopted child who has not yet reached age 26;
    3. Own or spouse’s, civil union partner’s or domestic partner’s own child, of any age, enrolled prior to age 26, who is incapable of self support due to continuing cognitive impairment or physical disability and who is chiefly dependent on the Eligible Participant. The Insurer requires written proof from a Physician of such disability and dependency within 31 days of the child’s 26th birthday and annually thereafter.

    A person may not be an insured Dependent for more than one Insured Participant

    *Primary Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan. PLEASE NOTE: Medicaid and VA health plans do not constitute primary health insurance because they are not defined as the first payer of medical claims. The Primary Plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.

    Download plan description

    Medical benefits

    Coverage for length of trip Unlimited number of trips in a 364-day period (covers up to the first 70 days of a trip)
    Primary health plan required Yes
    Maximum benefit per insured person per policy period $500,000 (For individuals aged 70-95, the Maximum benefit is $200,000)
    Deductible per insured person per policy period $200

    Professional services
    Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab 100%
    Office visits: including X-rays and lab work billed by the attending physician 100%

    Inpatient hospital services
    Surgery, X-rays, in-hospital doctor visits 100%
    Inpatient medical emergency 100%
    Ambulatory surgical center 100%
    Ambulance services (non-Medical evacuation) 100% up to $1,000

    Prescription drugs
    Outside the U.S. outpatient prescription drugs 100% of reasonable charges up to $2,500

    Other
    Physical and occupational therapy 6 visits per Period of Insurance, $50 Maximum payment per visit

    Dental
    Dental Care Required Due to an injury 100% of Reasonable Charges with a maximum benefit of $200 per Trip Period
    Dental Care for Relief of Pain 100% of Reasonable Charges with a maximum benefit of $100 per Trip Period

    Medical network

    Global care that travels with you.

    We’ve hand-picked physicians in 190 countries who meet our rigorous standards. Many are board-certified and English-speaking. Choose from our network or pick any international doctor or facility. It’s up to you.

    Always connected to care.

    Every plan includes unlimited telemedicine services at no extra cost. Connect with a doctor from your phone or tablet wherever you are, whenever you need care:

    • Same-day remote appointments available 24/7/365
    • Multilingual doctors providing guidance for non-emergencies
    • Consultation notes sent directly to your phone
    • Prescriptions and referral letters where regulations allow

    Travel with a friend.

    Use our mobile app for essential support:

    • Digital ID cards
    • Provider search with detailed profiles
    • Claim tracking
    • Medical translations
    • Medication equivalents finder
    • Safety alerts based on your location

    Help that never sleeps.

    Our Global Service Center is always open:

    • 24/7/365 multilingual support via toll-free or collect calls
    • Medical evacuation coordination when needed
    • Personalized guidance for accessing care

    Go ahead and explore the world. We’ll be here when and where you need us.

    Medical evacuation

    When you’re outside of your home country, medical evacuations aren’t always covered by your current health insurance.

    All plans include medical evacuation. Emergency medical transportation can be stressful and the costs can be devastating. We make it as easy as possible to get the care you need, when and where you need it.

    • Maximum Benefit per Trip Period for all Evacuations up to $500,000.

    Additional benefits

    Our coverage goes beyond the basics. For your protection and peace of mind in unexpected situations.

    What is repatriation of remains?

    This important benefit covers the complex process of transporting remains back to the family's chosen location, handling all necessary documentation and arrangements during an already difficult time.

    Pre-existing conditions

    You’re more than just your medical history.

    Our Gold plan recognizes your passion for exploring the world, even with health conditions. While it doesn't cover pre-existing conditions, it provides robust protection for new medical needs.

    Need comprehensive care including pre-existing conditions?

    Our Platinum plan covers both new and existing health concerns, including emergency evacuation. With Platinum, you'll never worry "what if" while enjoying your journey.

    Refund policy

    We understand that life plans change. That’s why you can cancel your plan if you need to, without cancellation fees or penalties.

    What happens if my trip is canceled? Can I get a refund?

    Yes, if your trip is canceled entirely, you are eligible for a full refund of your premium.

    How do I cancel my coverage and request a refund?

    Cancellation must be requested either in writing or by phone by the Eligible Participant.
    You can cancel your coverage and request a refund by:

    What information do I need to provide when canceling? 

    Please include the following details in your cancellation request:

    • Effective date of your policy
    • Effective date of cancellation
    • Subscriber email address
    • Reason for cancellation

    Eligibility

    Plans are available to United States residents, age 95 and younger and enrolled in a Primary Plan.* Children under age 6 must be enrolled with a parent. The initial purchase must be made in your home country prior to departing on your trip.

    Eligible family members (if applicable) must be your spouse, civil union partner or domestic partner age 95 and younger, and/or your eligible child(ren) or other eligible dependent(s). Eligible family members must also be resident(s) of the United States and traveling outside the United States and scheduled to spend at least 24 hours away from his/her home.

    An Eligible Dependent means a person who is the Eligible Participant’s:

    1. Spouse; civil union partner, or domestic partner;
    2. Natural child, stepchild or legally adopted child who has not yet reached age 26;
    3. Own or spouse’s, civil union partner’s or domestic partner’s own child, of any age, enrolled prior to age 26, who is incapable of self support due to continuing cognitive impairment or physical disability and who is chiefly dependent on the Eligible Participant. The Insurer requires written proof from a Physician of such disability and dependency within 31 days of the child’s 26th birthday and annually thereafter.

    A person may not be an insured Dependent for more than one Insured Participant.

    *Primary Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan. PLEASE NOTE: Medicaid and VA health plans do not constitute primary health insurance because they are not defined as the first payer of medical claims. The Primary Plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.

    Health insurance that travels with you.

    Your U.S. health plan might stop at the border. Our coverage fills those gaps, protecting your health and your finances wherever life takes you. 

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    Access to hand-selected contracted global provider network

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    Clear, extensive evacuation/repatriation coverage and AD&D

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    Direct Pay—Access to our hand-selected doctors and hospitals that have agreed to bill us directly

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    Top-rated digital tools, including 24/7/365 telemedicine and security profiles

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    Frequently asked questions

    Everyone! If you are going outside of the U.S., you should really protect yourself with a travel medical plan. Relying on your regular insurance could leave you with a large bill if you get sick or injured. Our plans protect every type of travel, from a spring break vacation in the Caribbean to a business trip to Tokyo. Planning to move to another country? We have a plan for that too! Find out more about all of our plans!

    With our single-trip plan, a trip can be as short as one day or as long as 182 days. The minimum charge is for 7 days. With our multi-trip plans, you'll be covered for an unlimited number of trips within 365 days. Multi-trip plans cover the first 70 days of each trip.

    Staying abroad for longer than a year? We have long-term health plans with comprehensive coverage. These plans can be renewed every year as needed.

     

    No. Your regular health insurance will not cover you outside of the U.S. Or it may provide very limited coverage. If you get hurt or sick while overseas, you could be left with a large bill to pay. Our plans make sure you are protected so you can explore the world without any worries.

    You can buy a travel medical plan up to one day before you leave. You’ll get your ID card by email. If you’d like a physical ID card, you should purchase your plan at least two weeks before you leave.